Analysis Of The Effect Of Non-Cash Payment Systems On Indonesia's Economic Growth For The Period 2013-2023
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Keywords:
Economic Growth, Credit Card, Debit Card/ATM, M-Banking
Abstract
This study focuses on analyzing the effect of the use of non-cash payment systems on Indonesia's economic growth. The data used in this study are secondary data in the form of quarterly time series with the period 2013-2023. The method used is quantitative with data collection techniques through literature study and multiple linear regression analysis techniques with Ordinary Least Square (OLS). The results showed that non-cash transactions using credit cards, debit cards/ATMs, and m-banking had a positive and significant effect on economic growth. The effect is shown partially and simultaneously.
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Armey, L. E., Lipow, J., & Webb, N. J. (2014). The impact of electronic financial payments on crime. Information Economics and Policy, 29(October), 46–57. https://doi.org/10.1016/j.infoecopol.2014.10.002
Bank Indonesia. (2012). Peraturan Bank Indonesia Nomor: 14/2/PBI/2012 Tentang Perubahan Atas Peraturan Bank Indonesia Nomor 11/11/PBI/2009 Tentang Penyelenggaraan Kegiatan Alat Pembayaran Dengan Menggunakan Kartu.
Chohan, M. A., Ramakrishnan, S., & Butt, S. (2017). An economic analysis of mobile banking in Pakistan. Journal of Applied Economics and Business Studies, 1(1), 35–44. https://doi.org/10.34260/jaebs.114
Herlina, D., & Firdaus, S. (2022). Dampak Sistem Pembayaran Non-Tunai Terhadap Permintaan Uang Kartal di Indonesia. Ecosains: Jurnal Ilmiah Ekonomi Dan Pembangunan, 11(2), 107. https://doi.org/10.24036/ecosains.12073257.00
Kaur, P., Dhir, A., Bodhi, R., Singh, T., & Almotairi, M. (2020). Why do people use and recommend m-wallets? Journal of Retailing and Consumer Services, 56, 102091. https://doi.org/10.1016/j.jretconser.2020.102091
Lestari, P. R. (2017). Perkembangan instrumen pembayaran non tunai dalam menyumbang pertumbuhan ekonomi di Indonesia. Jurnal Ilmiah Mahasiswa FEB, 5(2), 1–13. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/3916
Lintangsari, N. N., Hidayati, N., Purnamasari, Y., Carolina, H., & Ramadhan, W. F. (2018). Analisis Pengaruh Instrumen Pembayaran Non-Tunai Terhadap Stabilitas Sistem Keuangan Di Indonesia. Jurnal Dinamika Ekonomi Pembangunan, 1(1), 47. https://doi.org/10.14710/jdep.1.1.47-62
Lukmanulhakim, M., Syaipan, D., & M. Komri, Y. (2016). Pengaruh transaksi non tunai terhadap velositas uang di Indonesia. Jurnal Ekonomi Pembangunan, Vol 14 No. 1. Jurnal Ekonomi Pembangunan, 14(1), 41–46.
Marginingsih, R., & Sari, I. (2019). Nilai Transaksi Non Tunai Terhadap Pertumbuhan Ekonomi Di Indonesia Periode 2014-2018. Inovator, 8(2), 13. https://doi.org/10.32832/inovator.v8i1.2504
Mashabi, M., & Wasiaturrahma, W. (2021). Electronic Based Payment Systems and Economic Growth in Indonesia. Jurnal Ilmu Ekonomi Terapan, 6(1), 97. https://doi.org/10.20473/jiet.v6i1.26287
Nursari, A., Suparta, I. W., & Moelgini, Y. (2019). Pengaruh Pembayaran Non Tunai Terhadap Jumlah Uang yang Diminta Masyarakat. Jurnal Ekonomi Pembangunan, 8(3), 169–182. https://doi.org/10.23960/jep.v8i3.46
Oyewole, O. S., Gambo, J., Abba, M., & Ezekiel Onuh, M. (2013). Electronic Payment System and Economic Growth: A Review of Transition to Cashless Economy in Nigeria. International Journal of Scientific Engineering and Technology, 918(2), 913–918.
Ramadanti, A. P., & Kistanti, N. R. (2024). Pengaruh Sistem Pembayaran Nontunai dan Penerimaan Pajak terhadap Pertumbuhan Ekonomi. Jurnal Ekonomi Dan Pembangunan Indonesia, 24(1), 31–51. https://doi.org/10.21002/jepi.2024.03
Rukmana, R. D. (2016). Dampak Perkembangan Pembayaran Non Indonesia.
Sastriani. (2020). Siapkah Indonesia Menghadapi Inovasi Sistem Pembayaran? Jurnal Ekonomi, 25(1), 147. https://doi.org/10.24912/je.v25i1.633
Susilawati, S., & Putri, D. Z. (2019). Analisis Pengaruh Transaksi Non Tunai Dan Suku Bunga Bi Terhadap Pertumbuhan Ekonomi Di Indonesia. Jurnal Kajian Ekonomi Dan Pembangunan, 1(2), 667. https://doi.org/10.24036/jkep.v1i2.6294
Sylvester Afaha, J. (2019). Electronic Payment Systems (E-payments) and Nigeria Economic Growth. European Business & Management, 5(6), 77. https://doi.org/10.11648/j.ebm.20190506.11
Tee, H. H., & Ong, H. B. (2016). Cashless payment and economic growth. Financial Innovation, 2(1), 1–9. https://doi.org/10.1186/s40854-016-0023-z
Published
2025-04-24
How to Cite
Fina Kartika Sari, & Ghofur, M. A. (2025). Analysis Of The Effect Of Non-Cash Payment Systems On Indonesia’s Economic Growth For The Period 2013-2023. Eksis: Jurnal Riset Ekonomi Dan Bisnis, 19(2), 73-82. https://doi.org/10.26533/eksis.v19i2.1328
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